Providence Bank Named One of the Nation's Top 100 Community Banks ELEMENT--Back to the NewsroomProvidence Bank Named One of the Nation's Top 100 Community BanksRecognition based on S&P Global Market Intelligence data for U.S. banks with $3 billion or less in assets.ROCKY MOUNT, NC / ACCESS Newswire/ March 23, 2026 / PB Financial Corporation (OTCQX:PBNC) President and CEO Ted E. Whitehurst is pleased to announce that Providence Bank, the Company's wholly-owned subsidiary, has been named one of the Top 100 Be ...

Fort Lauderdale, Florida--(Newsfile Corp. - March 23, 2026) -  OptimumBank (NYSE American: OPHC) ("Bank") today announced that it has been named to the S&P Global Market Intelligence 2025 Top 100 Best-Performing U.S. Community Banks under $3 billion in assets, ranking #49 nationwide and placing the Bank among the top 1.4% of its 3,465 eligible peers.OptimumBank was the only Florida-based institution included in the Top 100, further highlighting its differentiated performance within one of the most competit ...

Core Insights - Millbury National Bank utilizes a welcoming approach to customer service, which has proven effective in deterring potential robberies [1][2][3] - The bank has a long history, being established in 1825, and is one of the oldest financial institutions in the United States [3][4] - Millbury National Bank has a unique ownership structure, with over half of its ownership held by women, which contributed to its designation as a minority depository institution in 2023 [6] Company History - Founded by Asa Waters II in 1825, the bank was created to finance his gun factory when no other banks would [4] - The bank has maintained its location and building since its inception, with the current structure in use since 1924 [4][5] - The bank has a legacy of resilience, as demonstrated by its recovery efforts during the Great Depression led by then-President E. Paul Harris [5] Community Engagement - Millbury National Bank greets customers by name, fostering a sense of community and enhancing security [3] - The bank's practice of personal engagement has been noted as a significant security measure [3]

Core Insights - Exchange Bank is expanding its presence with the grand opening of two new full-service branches in San Rafael and Petaluma, enhancing access to personal and business banking services in the North Bay region [1][2][5] Branch Details - The Marin Branch is located at 3950 Civic Center Dr suite 101, San Rafael, CA 94903, and will operate Monday through Friday from 9:00 a.m. to 12:00 p.m., providing enhanced services for the local community [2] - The Petaluma West Branch has been relocated to 200 Kentucky St, Petaluma, CA 94952, showcasing a modern design and a commitment to community investment [3][4] Company Background - Exchange Bank, founded in 1890 and headquartered in Sonoma County, has over $3.30 billion in assets and offers a wide range of personal and business banking services, including Trust and Investment Management [6] - The bank operates 19 retail branches across the North Bay and Roseville, with additional Trust & Investment Management offices in various locations [6] Community Commitment - The bank emphasizes its long-standing legacy of financial leadership and community support, grounded in core values such as commitment, respect, integrity, and teamwork [7] - Exchange Bank has received multiple awards, including being named one of America's Best Regional Banks by Newsweek in 2026 and various local accolades for being a top workplace and bank [8][9]

Financial Data and Key Metrics Changes - The company reported a net loss of $2.5 million in Q4 2025, an improvement from a net loss of $18.9 million in Q3 2025, which included a restructuring charge of $7.3 million and additional provision expense of $8.1 million [7] - Loans held for investment decreased by $34.8 million, or 3.5%, during Q4 2025, ending at $963.9 million, with total loans held for investment decreasing by $102.7 million, or 9.6%, over the past year [7] - Deposits increased by $12.5 million, or 1.1%, during Q4 2025, and increased by $40.7 million, or 3.6%, over the past year, ending at $1.18 billion [8] Business Line Data and Key Metrics Changes - Treasury Management revenues grew by 69% compared to Q4 2024, indicating strong performance in this segment [3] - Non-interest income was negative $104,000 for Q4 2025, which is an improvement of $900,000 compared to Q3 2024, but a decrease from $22.3 million in Q4 2024 [10] Market Data and Key Metrics Changes - The company's liquidity ratio was over 18% at year-end, supporting efforts to reduce high-cost deposits and improve the bank's cost of funds [5] - 85% of the bank's deposits were insured by the FDIC on December 31, 2025, providing a stable foundation for future growth [3] Company Strategy and Development Direction - The company has exited the SBA 7(a) lending business and is focusing on community banking, aiming to be the premier community bank in Tampa Bay [2][3] - The strategic plan for 2026 emphasizes fortifying the balance sheet and maintaining a culture of disciplined risk management to drive sustainable revenue growth [20] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenges faced in the legacy SBA 7(a) business but expressed confidence in the community bank metrics, which appear strong outside of this segment [5] - The company expects a lessening impact from additional charge-offs over time as it continues to manage credit risk and improve asset quality [4][18] Other Important Information - The provision for credit losses was $2 million in Q4 2025, down from $10.9 million in Q3 2025 and $4.5 million in Q4 2024 [12] - Total annualized net charge-offs as a percentage of average loans held for investment were 1.95% for Q4 2025, up from 1.24% in Q3 2025 [14] Q&A Session Summary Question: What is the specific allowance against the $171 million of unguaranteed government loans, and what has been the recent default experience? - The $171.6 million represents all SBA 7(a) unguaranteed balances, with about 13% of the balances within the allowance for credit losses, indicating a lower default rate [25] Question: What did the unguaranteed portion peak at? - The unguaranteed portion was about $50.5 million higher at the end of Q3 2025 [28] Question: Can you discuss the growth in deposits and the reduction in deposit costs? - The growth in deposits is attributed to strong relationships with customers, and the overall cost of funds has decreased by approximately 13 basis points sequentially [35][36]

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on October 31, 2025. Registration No. 333-290831 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Amendment No. 1 to FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 (Address, Including Zip Code, and Telephone Number, Including Area Code, of Registrant's Principal Executive Offices) Central Bancompany, Inc. Jeremy W. Colbert Executive Vice President, General Counsel and Corporate Secretary Central B ...

Core Points - OptimumBank will celebrate its 25th anniversary by ringing the Opening Bell at the New York Stock Exchange on October 27, 2025 [1][2] - The event signifies the bank's growth from a small community bank to a billion-dollar institution, highlighting its commitment to community service [3] - OptimumBank has surpassed $1 billion in assets in 2025 and continues to rank among the best-performing financial institutions in South Florida [3][4] Company Overview - Founded in 2000 in Fort Lauderdale, Florida, OptimumBank has evolved from a single-branch startup to a significant independent bank in the region [3][5] - The bank focuses on personal, relationship-driven service while integrating technology to enhance customer experience [4] - OptimumBank offers a range of financial solutions including Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking [5]

Core Insights - Embassy Bank for the Lehigh Valley has been recognized as "Best Bank" in The Morning Call's 2025 Readers' Choice Awards, marking its 11th win and highlighting its commitment to exceptional service and community values [1][2] Awards and Recognition - The bank has also been named Best Bank and Best Mortgage Company in the Who's Who in Business survey by Lehigh Valley Style magazine for the fourth consecutive year [2] - Bauer Financial awarded Embassy Bank a 5-star rating, indicating its superior financial strength and stability [2] Market Position - As of June 30, 2025, Embassy Bank ranks fourth in total deposit market share in Lehigh and Northampton Counties, being the only bank among the top four to increase its market share during the reporting period [3] - This growth in market share reflects strong customer relationships and an expanding footprint in the region [3] Company Overview - Embassy Bank, a subsidiary of Embassy Bancorp, Inc., is a full-service community bank with over $1.7 billion in assets [4] - The bank has been serving individuals and businesses in Pennsylvania's Lehigh Valley since 2001, operating ten branch locations and offering a comprehensive suite of digital banking services [4]

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on October 10, 2025. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Central Bancompany, Inc. (Exact Name of Registrant as Specified in Its Charter) Missouri (State or Other Jurisdiction of Incorporation or Organization) 6022 (Primary Standard Industrial Classification Code Number) 43-0959114 (IRS Employer Identification Number) ...

Core Perspective - The transition from Bank of Charles Town to Potomac Bank symbolizes the connection among diverse communities along the Potomac River, reflecting the bank's heritage and future growth [1][2]. Company Overview - Potomac Bank, formerly Bank of Charles Town, will officially change its name on November 3, 2025, marking a significant milestone in its 154-year history [5][6]. - The bank has been a trusted financial partner in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Northern Virginia, offering a full range of financial solutions [6]. Leadership Statements - Dr. Keith Berkeley, Chairman of Potomac Bancshares, emphasized that the name change reflects the bank's growth and the relationships it has nurtured, rather than a change in identity [2]. - Alice P. Frazier, President and CEO, stated that while the name is evolving, the bank's commitment to community and client-first mindset will remain unchanged [3][4]. Community Commitment - The new tagline "Community Takes Root Here" highlights the bank's mission to support local communities, entrepreneurs, and families, reinforcing its dedication to community investment [4]. - The bank will continue to provide customized support, local decision-making, and a meaningful impact on local communities, ensuring a seamless transition for clients and partners [3][4].